Many people confuse a "Savings and Investment Plan" with a "Retirement Income Plan." This ultimately leads to poor planning for retirement income. And that leads to tremendous disappointment as to the amount of retirement income and the safety of that income. Especially now during these unprecedented times, it is more important than ever to understand the most efficient ways to create "Safe Retirement Income." What makes our firm unique? Well, we give you a point of reference for all the financial decisions you will make. What do I mean by that? And why is that important? Let me answer it this way:Every financial decision a pre-retiree makes is a retirement income decision. For example:• How much money to save for retirement? Where should I put it?• How best to pay for college?• How large of a house can I afford?• How nice of a car can I buy?• How long do I need life insurance? Can I or should I drop it in retirement? Why would l want it in retirement?Do you know how your retirement income will be impacted if you're incapacitated for an extended period of time during your working years? In can be quite significant. Should we take a look at that together?These questions, and others, cannot be answered without the frame of reference being your retirement income and how these decisions impact your retirement income. We must have this context otherwise there is no rhyme or reason to any discussion you have or any decision you make. Understanding this will have a dramatic impact on your retirement income. Do you have such a frame of reference? Would this be a discussion worth having? My job as an advisor is to give you the frame of reference from which you can make these decisions. After that, it becomes your decision on how much you want to balance your current lifestyle with your future lifestyle (at every age). Is this something we should have a conversation about?My Core Values:To love and know God | To have a strong Marriage | To have a strong Family | To be physically and mentally fit | To have strong relationships | To do great work Here is a little bit of information about me. My wife and I met the week after we graduated from high school in 1976. We married two years later. I had just turned 20. Yes, I am that old. We have five adult children and twelve grandchildren (only 1 granddaughter). I love hockey.One last thing: that background picture above was one of my projects for graduating from college. AutoCAD had not been invented 40 years ago so it was all done by hand.Let’s get a conversation started.